System for automatically establishing operative communication channel with third party computing systems for subscription regulation

ABSTRACT

Embodiments of the invention are directed to a system, method, or computer program product for operative communication channel linkage between a user and subscription services for effective and efficient communicate with the third parties associated with the subscriptions. The invention eliminates the storage and processing requirement of a user device and allows a user system to use a single communication channel for communication for a centralized subscription regulation interface for subscription management and communications. The system identifies subscriptions from resource management sources and correlates the subscriptions to the subscription regulation interface for monitoring and trigger analysis based on locational and transactional user extraction.

BACKGROUND

A user may be enrolled in multiple subscriptions for products andservices using multiple resources associated therewith. Backend serversand networks control the operative communication channels between usersand subscription services. These communication channels are non-integraland non-uniform for subscription deployment.

BRIEF SUMMARY

The following presents a simplified summary of one or more embodimentsof the invention in order to provide a basic understanding of suchembodiments. This summary is not an extensive overview of allcontemplated embodiments, and is intended to neither identify key orcritical elements of all embodiments, nor delineate the scope of any orall embodiments. Its sole purpose is to present some concepts of one ormore embodiments in a simplified form as a prelude to the more detaileddescription that is presented later.

Embodiments of the present invention address these and/or other needs byproviding an innovative system, method, and computer program product forestablishing operative communication channels with third party computingsystems for subscription regulations.

In some embodiments, the invention creates a hub for singlevisualization and interaction with subscription of a user. As such, anyresource accounts associated with the subscriptions may be easilyviewed, use of the subscription, status of the subscription, and thelike may all be visualized via the subscription regulation interface.The user may track records of payment of resources to the subscription,perform actions such as renewal, cancelation, update, modification, andthe like via the subscription regulation interface. The subscriptionregulation interface may provide a user with visualization of his/heruse of the subscription, modifications to the subscription, and/orcompetitor offers that may be more relative to the user's use of thatparticular resource. Furthermore, in some embodiments, the subscriptionregulation interface provides a temporary credit card account number forsubscriptions, thus being able to regulate and cancel after a trialperiod or the like.

In some embodiments, the invention enables suggestions for improving theuser's finances such as by increasing savings or the like. If the usersubscribes to a membership, for example, then the application may trackwhether the user is actually using the membership during a specificperiod of time. For example, the application may determine, based onlocation data or transaction data, that the user never uses the gummembership or that the user is not sufficiently using a club membership.The application may aggregate in-application purchases or otherrecurring expenses. The application feature may enable automaticcancellation of the membership payments, such as by preventing furtherrenewal payment from going through and/or being processed. Theapplication may send a “don't renew” message or alert to the third partysubscription service. The application enables addition of multiplepayment accounts, such as multiple credit cards. One option for managingsubscriptions is to only send eleven monthly payments automatically, butseek confirmation from the user before providing the twelve monthlypayment in an annual subscription. Trial subscription periods may bemarked and tracked so as to eliminate automatic renewal of unwantedtrials.

Embodiments of the invention relate to systems, methods, and computerprogram products for a subscription regulation operative communicationchannel, the invention comprising: receiving authorization from asubscription regulation interface active on a user device via a securecommunication portal, wherein the authorization allows access to userresource management source locations; extracting user resourcedistribution information from user resource management source locations;identifying reoccurring user resource distributions and third partiesassociated with the distributions; confirming, via the communicationportal, a subscription associated with the reoccurring user resourcedistributions; extracting location data points associated with the userdevice and resource distribution data associated with user resourcedistribution, wherein the extraction is based on user authorizationreceived from the subscription regulation interface; triggeringpresentation via the subscription regulation interface ofunderutilization of subscription based on extracted location data pointsand resource distribution data; presenting modification for userselection via the subscription regulation interface to the underutilizedsubscription; and processing the user selected modification.

In some embodiments, triggering presentation of underutilization ofsubscription based on extracted location data points and resourcedistribution data further comprises identifying locations the usertraveled and purchases the user made via the extracted location datapoints and resource distribution data associated with the user to not beassociated with the subscription, the third party, or the category ofthe subscription.

In some embodiments, the invention further comprises triggering apresentation via the subscription regulation interface of one or moresubscriptions for renewal, wherein the renewal is presented by thesubscription regulation interface upon identification of use of thesubscription based at least in part on the extracted location datapoints and resource distribution data associated with the user to beassociated with the subscription, the third party, or the category ofthe subscription.

In some embodiments, presenting modifications for user selection via thesubscription regulation interface to the underutilized subscriptionfurther comprise communicating with the third party associated with theunderutilized subscription for presenting cancellation options for theunderutilized subscription to the user and presenting modifications tothe underutilized subscription that reducing the resource requirementsfor the subscription user, wherein presenting modifications for userselection further comprises presenting competitor subscriptions to theuser.

In some embodiments, confirming, via the communication portal, thesubscription associated with the reoccurring user resource distributionsfurther comprises identifying a physical location of the third partiesassociated with the subscription and a category of products and/orservices provided via the subscription.

In some embodiments, processing the user selected modification furthercomprises providing the third party with a generic account number forinitial resource distribution to the third party for the modification ofthe subscription.

In some embodiments, extracting location data points associated with theuser device and resource distribution data associated with user resourcedistribution further comprises identifying locations that the user hastraveled and resource distributions associated with product/servicepurchases the user made and identifying a category of the locations andpurchases, wherein the category is compared to a category identified asassociated with the subscription and determined to be of the samecategory of product or service.

The features, functions, and advantages that have been discussed may beachieved independently in various embodiments of the present inventionor may be combined with yet other embodiments, further details of whichcan be seen with reference to the following description and drawings.

BRIEF DESCRIPTION OF THE DRAWINGS

Having thus described embodiments of the invention in general terms,reference will now be made to the accompanying drawings, wherein:

FIG. 1 provides a system environment in which embodiments of theinvention operate, in accordance with one embodiment of the presentinvention;

FIG. 2A illustrates a graphical representation of a portion of anapplication user interface, in accordance with some embodiments of theinvention;

FIG. 2B illustrates a graphical representation of a portion of anapplication user interface for monitoring asset savings, in accordancewith some embodiments of the invention;

FIG. 2C illustrates a graphical representation of a portion of anapplication user interface for monitoring asset spending, in accordancewith some embodiments of the invention;

FIG. 2D illustrates a graphical representation of a portion of anapplication user interface for monitoring subscriptions, in accordancewith some embodiments of the invention;

FIG. 2E illustrates a graphical representation of a portion of anapplication user interface as a subscription hub, in accordance withsome embodiments of the invention;

FIG. 3 provides a high level process flow for subscription regulation,in accordance with one embodiment of the invention;

FIG. 4 provides a high level process flow for modifying and triggeringaction for subscription continuation, in accordance with one embodimentof the invention; and

FIG. 5 provides a high level process flow for triggering themodification or canceling of subscriptions, in accordance with oneembodiment of the invention.

DETAILED DESCRIPTION OF THE INVENTION

The present invention aggregates user resources from multiple differententities into a single, centralized database allowing for efficientstorage of information and data that would normally need to be requestedfrom outside systems when called upon by the processes of the system.Furthermore, data from third party interaction providers is extracted bythe system and stored in the database for quick-access and reference.The system's centralized storage of information allows for efficientaccess to aggregated data which further allows for the processing powerof the computing device to be made available for additional or othertasks.

Additionally, the present invention addresses a problem which arises outbackend servers and networks that control the operative communicationchannels between users and subscription services which are non-integraland non-uniform for subscription deployment. Being able to effectivelyand efficiently communicate with the third parties associated withsubscriptions requires memory on a user device and communication toseparate party servers. The invention eliminates the storagerequirement, specifically requiring only a portion of memory within theuser device. Furthermore, the system automatically establishes anoperative communication channel with the third parties, thus notrequiring separate communication channels for communicating with theseparate third parties, but instead generating a universal communicationchannel that allows the user system to use a single communicationchannel for communication with a centralized hub for subscriptionmanagement and communications.

Embodiments of the present invention will now be described more fullyhereinafter with reference to the accompanying drawings, in which some,but not all, embodiments of the invention are shown. Indeed, theinvention may be embodied in many different forms and should not beconstrued as limited to the embodiments set forth herein; rather, theseembodiments are provided so that this disclosure will satisfy applicablelegal requirements. Like numbers refer to elements throughout. Wherepossible, any terms expressed in the singular form herein are meant toalso include the plural form and vice versa, unless explicitly statedotherwise. Also, as used herein, the term “a” and/or “an” shall mean“one or more,” even though the phrase “one or more” is also used herein.

An “account” is the relationship that a user has with an entity, such asa financial institution. Examples of accounts include a deposit account,such as a transactional account (e.g., a banking account), a savingsaccount, an investment account, a money market account, a time deposit,a demand deposit, a pre-paid account, a credit account, a non-monetaryuser profile that includes information associated with the user, or thelike. The account is associated with and/or maintained by the entity.The terms “resource” and “account” may be used interchangeably. “Assets”include accounts of the user and/or other property owned by the user.The assets may be associated with accounts or may be property that isnot associated with a specific account. Examples of assets associatedwith accounts may be accounts that have cash or cash equivalents, oraccounts that are funded with or contain property, such as safetydespots box account that jewelry, a trust account that is funded withproperty, or the like. Examples of assets that may not be associatedwith accounts may be antiques in a user's home, jewelry in a user'shome, or the like. “Authentication information” is any information thatcan be used to identify of a user. For example, a system may prompt auser to enter authentication information such as a username, a password,a personal identification number (PIN), a passcode, biometricinformation (e.g., voice authentication, a fingerprint, and/or a retinascan), an answer to a security question, a unique intrinsic useractivity, such as making a predefined motion with a user device. Thisauthentication information may be used to authenticate the identity ofthe user (e.g., determine that the authentication information isassociated with the account) and determine that the user has authorityto access an account or system.

An “entity” as used herein may be a financial institution. In someembodiments, the entity may allow a user to establish an account withthe entity. For the purposes of this invention, a “financialinstitution” is any organization, entity, or the like in the business ofmoving, investing, or lending money, dealing in financial instruments,or providing financial services. This may include commercial banks,thrifts, federal and state savings banks, savings and loan associations,credit unions, investment companies, credit card companies, insurancecompanies and the like. A “financial event” or “life event” may be anyimmediate or future event that causes a change in a user's financialstatus. A financial event may be a charge, a transaction, and exchange,or the like that may cause the user to lose or gain money and/or assets.Examples of financial events or life events include a medical expense,buying a house, college tuition, rent, moving to a new city, receiving araise or bonus in pay and the like. To “monitor” is to watch, observe,or check something for a special purpose over a period of time. The“monitoring” may occur periodically over the period of time, or themonitoring may occur continuously over the period of time. In someembodiments, a system may actively monitor a database, wherein thesystem reaches out to the database and watches, observes, or checks thedatabase for changes, updates, and the like. In other embodiments, asystem may passively monitor a database, wherein the database providesinformation to the system and the system then watches, observes, orchecks the provided information.

A “transaction” refers to any communication between a user and thefinancial institution or other entity monitoring the user's activities.A transaction may also refer to any communication between a user and athird party. For example, a transaction may refer to a purchase of goodsor services, a return of goods or services, a payment transaction, acredit transaction, or other interaction involving a user's account. Inthe context of a financial institution or third party, a transaction mayrefer to one or more of: a sale of goods and/or services, initiating anautomated teller machine (ATM) or online banking session, an accountbalance inquiry, a rewards transfer, an account money transfer orwithdrawal, opening a bank application on a user's computer or mobiledevice, a user accessing their e-wallet, or any other interactioninvolving the user and/or the user's device that is detectable by thefinancial institution. A transaction may include one or more of thefollowing: renting, selling, and/or leasing goods and/or services (e.g.,groceries, stamps, tickets, DVDs, vending machine items, digital itemsand the like); making payments to creditors (e.g., paying monthly bills;paying federal, state, and/or local taxes; and the like); sendingremittances; loading money onto stored value cards (SVCs) and/or prepaidcards; donating to charities; and/or the like. An “interaction” as usedherein refers to any recurring or fixed term payment and/or agreementbetween a user and an entity for a product and/or service provided tothe user by the entity. For example, an interaction may be asubscription, a membership, a utility service and the like. Aninteraction may refer to a free, on-going relationship between a userand an entity such as a trial offer, a rewards club, and the like. Aninteraction may also refer to a one-time payment. the term “interaction”may be used interchangeably with “transaction.”

A “user” may be a financial institution customer (e.g., an accountholder or a person who have an account (e.g., banking account, creditaccount, or the like)). In one aspect, a user may be any financialinstitution customer involved managing spending and accounts with thefinancial institution or any other affiliate entities associated withthe financial institution. In some embodiments, the user may be anindividual who may be interested in opening an account with thefinancial institution. In some embodiments, a “user” may be a financialinstitution employee (e.g., an underwriter, a project manager, an ITspecialist, a manager, an administrator, an internal operations analyst,bank teller or the like) capable of operating the system describedherein. For purposes of this invention, the term “user” and “customer”may be used interchangeably. A “user interface” is any device orsoftware that allows a user to input information, such as commands ordata, into a device, or that allows the device to output information tothe user. For example, the user interface includes a graphical userinterface (GUI) or an interface to input computer-executableinstructions that direct a processing device to carry out specificfunctions. The user interface typically employs certain input and outputdevices to input data received from a user second user or output data toa user. These input and output devices may include a display, mouse,keyboard, button, touchpad, touch screen, microphone, speaker, LED,light, joystick, switch, buzzer, bell, and/or other user input/outputdevice for communicating with one or more users.

As used herein a “subscription” may be any reoccurring service orproduct being provided to a user from a third party. A payment may bemade on a recurring bases such as daily/weekly/monthly/yearly to thethird party from the user. The service or product may include amembership to a club, gym, or the like. The service may be an onlineclub, membership, team, association, magazine, or the like. Furthermore,the subscription may be for a product such as classes, a magazine,books, produce, or other products provided on a reoccurring basis.

Referring now to FIG. 1, the figure illustrates a processing systemenvironment 100, in accordance with some embodiments of the invention.The environment 100 includes a user device 111 associated or used withauthorization of a user 110 (e.g., an account holder, a mobileapplication user, a bank customer, and the like), a subscriptionmanagement system 160, and a financial institution system 140. In someembodiments, the subscription management system 160 corresponds to athird party financial institution. The environment 100 further includesone or more third party systems 192 (e.g., a partner, agent, orcontractor associated with a financial institution), one or more otherfinancial institution systems 194 (e.g., a credit bureau, third partybanks, and so forth), and one or more external systems 196 comprisingcomponents similar to the other systems.

The systems and devices communicate with one another over the network130 and perform one or more of the various steps and/or methodsaccording to embodiments of the disclosure discussed herein. The network130 may include a local area network (LAN), a wide area network (WAN),and/or a global area network (GAN). The network 130 may provide forwireline, wireless, or a combination of wireline and wirelesscommunication between devices in the network. In one embodiment, thenetwork 130 includes the Internet.

The user device 111, the subscription management system 160, and thefinancial institution system 140 each includes a computer system,server, multiple computer systems and/or servers or the like. Thefinancial institution system 140, in the embodiments shown has acommunication device 142 communicably coupled with a processing device144, which is also communicably coupled with a memory device 146. Theprocessing device 144 is configured to control the communication device142 such that the financial institution system 140 communicates acrossthe network 130 with one or more other systems. The processing device144 is also configured to access the memory device 146 in order to readthe computer readable instructions 148, which in some embodimentsincludes one or more applications such as application 150 and financialinstitution application 151. The memory device 146 also includes adatastore 154 or database for storing pieces of data that can beaccessed by the processing device 144.

As used herein, a “processing device,” generally refers to a device orcombination of devices having circuitry used for implementing thecommunication and/or logic functions of a particular system. Forexample, a processing device may include a digital signal processordevice, a microprocessor device, and various analog-to-digitalconverters, digital-to-analog converters, and other support circuitsand/or combinations of the foregoing. Control and signal processingfunctions of the system are allocated between these processing devicesaccording to their respective capabilities. The processing device 114,144, or 164 may further include functionality to operate one or moresoftware programs based on computer-executable program code thereof,which may be stored in a memory. As the phrase is used herein, aprocessing device 114, 144, or 164 may be “configured to” perform acertain function in a variety of ways, including, for example, by havingone or more general-purpose circuits perform the function by executingparticular computer-executable program code embodied incomputer-readable medium, and/or by having one or moreapplication-specific circuits perform the function.

Furthermore, as used herein, a “memory device” generally refers to adevice or combination of devices that store one or more forms ofcomputer-readable media and/or computer-executable programcode/instructions. Computer-readable media is defined in greater detailbelow. For example, in one embodiment, the memory device 146 includesany computer memory that provides an actual or virtual space totemporarily or permanently store data and/or commands provided to theprocessing device 144 when it carries out its functions describedherein.

The user device 111 includes a communication device 112 communicablycoupled with a processing device 114, which is also communicably coupledwith a memory device 116. The processing device 114 is configured tocontrol the communication device 112 such that the user device 111communicates across the network 130 with one or more other systems. Theprocessing device 114 is also configured to access the memory device 116in order to read the computer readable instructions 118, which in someembodiments includes application 120 and client application 121. In someembodiments, the client application 121 and the other applicationsprovide a graphical user interface (GUI) on a display that allows theuser 110 to communicate with the user device 111 and/or other devices orsystems. The memory device 116 also includes a datastore 122 or databasefor storing pieces of data that can be accessed by the processing device114. The user device 111 may be a mobile device of the user 110, a bankteller device, a third party device, an automated teller machine, avideo teller machine, or another device capable of capturing a checkimage.

The subscription management system 160 includes a communication device162 communicably coupled with a processing device 164, which is alsocommunicably coupled with a memory device 166. The processing device 164is configured to control the communication device 162 such that thesubscription management system 160 communicates across the network 130with one or more other systems. The processing device 164 is alsoconfigured to access the memory device 166 in order to read the computerreadable instructions 168, which in some embodiments includes asubscription application 170 configured to monitor and manageinteractions associated with the user 110. The memory device 166 alsoincludes a datastore 172 or database for storing pieces of data that canbe accessed by the processing device 164.

In some embodiments, the application 120, the client application 121,and the application 170 interact with the application 150 or 151 toreceive or provide financial data, analyze financial record data, andimplement business strategies, transactions, and processes. Theapplications 150 and 151 may be a suite of applications for performingthese functions. In some embodiments, the application 120, the clientapplication 121, and the application 170 interact with the applications150 and 151 to utilize metadata to determine decisions for processing.

Described throughout much of the present application, the subscriptionmanagement application 170, in some embodiments, transmits a clientapplication 121 to the user computing device 111. In some embodiments,when the user 110 decides to enroll in the mobile or online bankingprogram, the user 110 downloads or otherwise obtains the clientapplication 121 from the financial institution system 140, thesubscription management system 160, and/or a distinct applicationserver, the client application 121 being configured to operate as amobile application and/or an online banking application. In otherembodiments, the user 110 may interact with the other systems via a webbrowsing application 120 in addition to, or instead of, the clientapplication 121.

In some embodiments, the subscription management application 170receives authorization from the user device 111 via the clientapplication 121 to access and extract data from accounts associated withthe user 110. In one embodiment of the invention, the client application121 presents a GUI to the user 110 to receive authorization for accessto the user accounts and/or authentication information associated withthe user accounts. The user 110 may be prompted to provide accountdetails such as account numbers, credit card numbers, login informationsuch as usernames, passwords, and security codes, and the likeassociated with the user accounts being accessed by the application 170.In other embodiments, the user 110 is a customer of the financialinstitution, wherein the user accounts are maintained by the financialinstitution and automatically associated with the user 110 within thesubscription management application 170. In some embodiments, the useraccounts are maintained by a third party such as a third party financialinstitution, wherein the application 170 establishes an operativecommunication channel to the third party system 192 upon receivingauthorization and/or authentication information from the user 110. Insome embodiments, the application 170 stores information and/or dataassociated with the user accounts maintained by the third party in thedatabase.

In some embodiments, based on receiving authorization from the userdevice 111, the subscription management application 170 extractsinformation from the user accounts. The information extracted by theapplication 170 from the user accounts comprises information associatedwith interactions associated with the user 110. In some embodiments, theinteractions associated with the user 110 are third party interactionsbetween the user 110 and one or more third parties. In some embodiments,the application 170 may identify keywords in the extracted informationto identify interactions associated with the user 110. In otherembodiments, the application 170 may prompt the user 110 via the clientapplication to indicate transactions associated with third partyinteractions and/or provide the name of a third party interactionassociated with the user 111. In some embodiments, the application 170may identify that a payment is regularly made to the same third partyprovider and determine that the payments comprise an interaction betweenthe user 110 and the third party provider.

In some embodiments, the subscription management application 170 storesthe extracted information associated with the third party interactionsbetween the user 110 and one or more third parties in a database. Insome embodiments, the information is stored in a centralized database,wherein information associated with one or more transactions are storedin a single location, reducing the time needed to search for aparticular transaction or series of transactions related to one or moreinteractions.

In some embodiments, the subscription management application 170modifies the at least one third party interaction. In some embodiments,the subscription management application 170 may automatically cancel athird party interaction after the application 170 identifies the thirdparty interaction as a duplicate interaction. In some embodiments of theinvention, the application 170 cancels the third party interaction byinterrupting one or more payments from the user accounts for the thirdparty interaction. In this embodiment, the third party interaction maybe canceled without requiring input from the user and/or requiring useraccount information associated with the third party account.

In some embodiments, the subscription management application 170transmits an actionable notification to the user device 111 whichpresents the user 110 with the at least one third party interactionpreviously identified by the application 170. The notification istransmitted to the user device 111 via the client application whichallows the user to interact with the actionable notification and inputuser instructions for modifying the at least one third party interactionidentified as a duplicate third party interaction. In some embodiments,the actionable notification is an in-line alert integrated into theuser's transactions and/or account status displayed in the clientapplication or other account management interface. In some embodiments,the actionable notification provides means for the user 110 to accept ordecline the modification of a third party interaction such asinteractive button options displayed by the client interface. In someembodiments, the actionable notification provides means for the user 110to accept or decline canceling a third party interaction.

In some embodiments, the subscription management application 170receives the user's instructions for modifying the at least one thirdparty interaction from the user device via the client application.

In some embodiments, based on receiving the user instructions from theuser device 111 via the client application, the subscription managementapplication 170 triggers the transmission of a command configured tomodify the at least one third party interaction identified as aduplicate third party interaction and then modifies the at least onethird party interaction according to the received user instructions.

In some embodiments, the subscription management application 170continuously monitors the activity of the user accounts for additional,pending third party interactions. In some embodiments, the application170 allows for the user 110 to add and authorize an additional useraccount via the client application that was not previously added orauthorized during user enrollment.

In some embodiments, the subscription management application 170 placesa hold on payments from the user accounts for the pending third partyinteraction identified.

In some embodiments, the subscription management application 170transmits an actionable notification to the user device 111 via theclient application, the actionable notification being configured topresent the pending third party interaction to the user 110, wherein theactionable notification allows for the user 110 to interact with thenotification on the user device 111 via the client application toprovide user instructions for modifying or taking action on the pendingthird party interaction. In some embodiments, the user 110 is promptedto select whether to allow or deny payment for the pending third partyapplication. In some embodiments, the actionable notification maypresent to the user 110 details associated with the pending third partyinteractions such as a description, a subscription cost, the name of thethird party provider associated with the interaction, products and/orservices provided by the interaction, and/or the like. In someembodiments, the application 170 may additionally present the one ormore third party interactions associated with the user 110 of which thepending third party interaction was identified along with detailsassociated with the one or more third party interactions.

In some embodiments, the subscription management application 170receives user instructions from the user device 111 via the clientapplication for modifying the pending third party interaction and, basedon receiving the user instructions from the user device 111 via theclient application, triggers the transmission of a command configured tomodify the pending third party interaction, wherein the application 170modifies the pending third party interaction according to the receiveduser instructions. In some embodiments, the application 170 modifies thepending third party interaction by allowing or denying the payment thatwas previously placed on hold to the third party provider associatedwith the pending interaction. In some embodiments of the invention, theapplication 170 may not transmit an actionable notification to the user110 and instead automatically modify the pending third party interactionafter identifying it as a duplicate third party interaction of anotherthird party interaction already associated with the user 110. In someembodiments, the application 170 modifies the older third partyinteraction already associated with the user 110 instead of the pendingthird party interaction.

In some embodiments, the subscription management application 170triggers the transmission of a command configured to cause the userdevice 111 to prompt the user 110, via the client application, toprovide a reason for modifying the at least one third party interaction,wherein the subscription management application 170 prompts the user 110to provide the reason for modifying the at least one third partyinteraction. The subscription management application 170 may requestthat the user 110 input a response for modifying the third partyinteraction.

In some embodiments, the subscription management application 170receives the user's reason for modifying the at least one third partyinteraction and subsequently stores the user's reason for modifying thethird party interaction in the database for future reference.

In some embodiments, the subscription management application 170presents the user's reason for modifying the third party interaction toa second user. In some embodiments, the second user is in the process ofdeciding how to modify a third party interaction associated with thesecond user that is similar or essentially equivalent to the third partyinteraction that the user modified.

The applications 120, 121, 150, 151, and 170 are for instructing theprocessing devices 114, 144 and 164 to perform various steps of themethods discussed herein, and/or other steps and/or similar steps. Invarious embodiments, one or more of the applications 120, 121, 150, 151,and 170 are included in the computer readable instructions stored in amemory device of one or more systems or devices other than the systems160 and 140 and the user device 111. For example, in some embodiments,the application 120 is stored and configured for being accessed by aprocessing device of one or more third party systems 192 connected tothe network 130. In various embodiments, the applications 120, 121, 150,151, and 170 stored and executed by different systems/devices aredifferent. In some embodiments, the applications 120, 121, 150, 151, and170 stored and executed by different systems may be similar and may beconfigured to communicate with one another, and in some embodiments, theapplications 120, 121, 150, 151, and 170 may be considered to be workingtogether as a singular application despite being stored and executed ondifferent systems.

In various embodiments, one of the systems discussed above, such as thefinancial institution system 140, is more than one system and thevarious components of the system are not collocated, and in variousembodiments, there are multiple components performing the functionsindicated herein as a single device. For example, in one embodiment,multiple processing devices perform the functions of the processingdevice 144 of the financial institution system 140 described herein. Invarious embodiments, the financial institution system 140 includes oneor more of the external systems 196 and/or any other system or componentused in conjunction with or to perform any of the method steps discussedherein. For example, the financial institution system 140 may include afinancial institution system, a credit agency system, and the like.

In various embodiments, the financial institution system 140, thesubscription management system 160, and the user device 111 and/or othersystems may perform all or part of a one or more method steps discussedabove and/or other method steps in association with the method stepsdiscussed above. In some embodiments, the subscription management system170 is maintained and/or operated by a financial institution. In someembodiments of the invention, the financial institution system 140 andthe subscription management system 170 are combined, wherein thesubscription management system 170 is part of the financial institutionsystem 140. Furthermore, some or all the systems/devices discussed here,in association with other systems or without association with othersystems, in association with steps being performed manually or withoutsteps being performed manually, may perform one or more of the steps ofone or more of the method discussed herein, or other methods, processesor steps discussed herein or not discussed herein.

Referring now to FIG. 2A, the figure illustrates a graphicalrepresentation of a portion of a banking application user interface 200,in accordance with some embodiments of the invention. In someembodiments of the invention, the banking application of FIGS. 2A, 2B,2C, 2D, and 2E is the client application 121. The user interface allowsthe user 110 to input information, such as commands or data, into theuser device 111, and allows the user device 111 to output information tothe user. As illustrated in FIG. 2A, in some embodiments, theapplication presents the user 110 with means for navigating theinterface by providing a menu 201. The menu 201 may be a drop-down menuwhich provides the user 110 with additional interactive selections fornavigation within the application. Furthermore, the menu provides alogout option which allows the user 110 to exit the application. Uponlogging out or initially launching the application, the user 110 may beprompted by the application to provide authentication information to login. In some embodiments, the application may provide the user 110, viathe user interface, with information related to one or more accounts orresources associated with the user 110 such as bank accounts 202, creditcard accounts 203, and the like. The application my additionally provideactionable alerts or notifications 204 to the user 110 such as alertsregarding savings goals, budgets, offers for goods or services and thelike. In some embodiments, the alerts may be in-line with the accountinformation associated with the user 110 or even be presented along withindividual transactions. In some embodiments, the user 110 mayoptionally toggle the appearance of alerts so that they may or may notbe displayed via the user interface.

Referring now to FIG. 2B, the figure illustrates a graphicalrepresentation of a portion of a banking application user interface formonitoring asset savings 210, in accordance with some embodiments of theinvention. As illustrated by element 211, the application presents tothe user 110, via the user interface, a projection of asset savings bymonitoring financial information associated with the one or more useraccounts. In some embodiments, the projection is presented to the uservia a graph, chart, or the like, wherein the user 110 may modify thescale of time of the record to reflect weekly, monthly, yearly spendingor the like. Additionally, the application may provide the user 110 withone or more actionable alerts or notifications to allow the user 110 tomodify his or her saving habits. Furthermore, the application maypresent asset saving habits and projections for other users determinedto be similar to the user 110. In some embodiments, the projection ofthe user's saving habits updates as the system 170 modifies one or moreinteractions associated with the user 110. In some embodiments, theapplication provides one or more interactive fields 212 for the input ofparameters used determine the other similar users, such as age,location, salary, and the like.

Referring now to FIG. 2C, the figure illustrates a graphicalrepresentation of a portion of a banking application user interface formonitoring asset spending 220, in accordance with some embodiments ofthe invention. As illustrated by element 221, the application presentsto the user 110, via the user interface, a record of asset spending bymonitoring financial information associated with the one or more useraccounts. In some embodiments, the record is presented to the user 110via a graph, chart, or the like, wherein the user 110 may modify thescale of time of the record to reflect weekly, monthly, yearly spendingor the like. Additionally, the application may provide the user 110 withone or more actionable alerts or notifications to allow the user 110 tomodify his or her spending habits. Furthermore, the application maypresent asset spending habits and projections for other users determinedto be similar to the user 110. In some embodiments, the projection ofthe user's saving habits updates as the system 170 modifies one or moreinteractions associated with the user 110. In some embodiments, theapplication provides one or more interactive fields 222 for the input ofparameters used determine the other similar users, such as age,location, salary, and the like.

Referring now to FIG. 2D, the figure illustrates a graphicalrepresentation of a portion of a banking application user interface formonitoring subscriptions 230, in accordance with some embodiments of theinvention. As illustrated by element 231, the application user interfacedisplays credit cards, debit cards, payment accounts, and the like usedfor the payment of one or more subscriptions and the like associatedwith the user 110. Additionally, the user 110 is presented with a totalcost of the one or more subscriptions 232 associated with the user. Asillustrated by element 233, the user interface may present the one ormore subscriptions to the user 110 and provide actionable alerts ornotifications to the user 110 such as alerts that identify duplicatesubscriptions associated with the user 110. The application may presentadditional details associated with the one or more subscriptions such ascost, sign-up date, renewal data, and the like.

Referring now to FIG. 2E, the figure illustrates a graphicalrepresentation of a portion of an application user interface as asubscription hub 240, in accordance with some embodiments of theinvention. As illustrated the subscription hub may be associated withthe user's online banking application 242. In this way, the subscriptionhub may be signed into via the online banking portal. The online bankingportal may identify the subscriptions that the user may use theresources from the accounts for payment to the subscriptions. As such,the system may put the subscriptions onto the online banking applicationfor visualization and communication with third parties.

As illustrated in section 241, the interface includes a tab or sectionof the subscriptions that the system identified and extracted from theuser's online banking application. In this way, the system monitors andidentifies payments made to a same third party over time, in a patternedway to the same third party, a same or similar amount regularlypresented to a third party, and/or by identification of a third partybeing a subscription provider. As illustrated, the system identifiedthree subscriptions, Subscription 1, Subscription 2, and Subscription 3.The user may be allowed to select and add additional subscriptions tothe list of user subscriptions.

As illustrated in section 243, the interface 240 the subscriptions areclassified into categories, such as entertainment or the like and anamount of resources the user spends per month or year on thosesubscriptions. Furthermore, the system may provide a selection box inorder for the user to access details about the subscription, enable theuser to cancel the subscription, and/or modify the subscription.

FIG. 3 provides a high level process flow for subscription regulation300, in accordance with one embodiment of the invention. As illustratedin block 302, the process 300 is initiated by receiving authorizationfrom the user to access user resource management source locations. Theselocations may include an online banking application, resource accountapplications, financial institution, third party, or the like that maymanage or monitor a resource account associated with the user.

Once the user has provided the system with authorization, the process300 continues by identifying the subscriptions from the user resourcemanagement source locations as illustrated in block 304. In someembodiments, the system may identify subscriptions from monitoring theuser's resource management source locations. In some embodiments, thesystem may identify payments to third parties that are known to besubscription providers, such as a cable network, magazine, gym, club, orthe like. In other embodiments, the system may identify recurringpayments to a third party from the resource management source. In thisway, the system may identify that the user makes a weekly/monthly/yearlypayment from a resource account to a third party. The system mayidentify reoccurring payments by identifying a payment made to a thirdparty system at approximately the same time of a week/month/year. Inother embodiments, the system may identify subscriptions based on userindication to the system of one or more subscriptions that the user has.

Next, as illustrated in block 306, the process 300 continues byextracting information from the accounts associated with interactionsbetween the user and one or more third parties identified as associatedwith the subscriptions. In this way, the system may extract informationabout the interaction between the user and the third party providing thesubscription. This data extraction may include data about the time,date, or amount of the payment from the user to the third party.Furthermore, this data extraction may further provide an indication asto the third party, the service/product being provided, the terms of theservice/product being provided, and the like associated with thesubscription.

As illustrated in block 308, the process 300 continues by storing theextracted information associated with the interactions between the thirdparty and the user in a database. The extracted information is stored ina database at the system in order to illustrate a baseline for thesubscription and the terms thereof.

Next, as illustrated in block 310, the process 300 continues byexporting location and transaction data associated with the user and thethird party associated with the subscription. In this way, the systemmay link the user location and user transaction data with the locationand transactions of the third party subscription provider. As such, thesystem may track when the user went to a location associated with thethird party subscription provider, the amount of additional transactionsthe user conduced at the third party subscription provider, and thelike.

As illustrated in block 312, the process 300 continues by identifyingthe user of subscriptions based on the user location and transactiondata. In this way, based on location data extracted via the user mobiledevice, the system may identify one or more times during a period oftime that the user attended a location associated with the subscription.As such, a user may have went to a gym, club, or the like. The systemmay track the visit to the location associated with the subscription andmonitor the user use of his/her subscription. In some embodiments, thesystem may track transaction data from one or more resource managementsources associated with the user. As such, the system may pulltransaction data and identify that the user has spent more resources ata subscription location, such as buying a drink at a gym, or the like.

Next, as illustrated in block 314, the process 300 continues bypresenting use and resource allocation options to the user foridentified subscriptions via subscription regulation interface. In thisway, the system may identify any user underutilization of one or moresubscriptions. If the user has not used, as identified by the systemextracted location data and transactional data, the subscriptionbenefits, the system may present this indication to the user via thesubscription regulation interface. Furthermore, the system may presentsubscription modification terms agreed upon with the third partysubscription provider that may limit and/or modify the user'ssubscription based on the user's use of the subscription.

In some embodiments, the invention creates a hub for user visualizationand interaction with subscription of a user. As such, any resourceaccounts associated with the subscriptions may be easily viewed, use ofthe subscription, status of the subscription, and the like may all bevisualized via the subscription regulation interface. The user may trackrecords of payment of resources to the subscription, perform actionssuch as renewal, cancelation, update, modification, and the like via thesubscription regulation interface. The subscription regulation interfacemay provide a user with visualization of his/her use of thesubscription, modifications to the subscription, and/or competitoroffers that may be more relative to the user's use of that particularresource. Furthermore, in some embodiments, the subscription regulationinterface provides a temporary credit card account number forsubscriptions, thus being able to regulate and cancel after a trialperiod or the like.

FIG. 4 illustrates a high level process flow for modifying andtriggering action for subscription continuation 400, in accordance withone embodiment of the invention. As illustrated in block 402, theprocess is initiated by presenting subscriptions via a secure portalusing the subscription regulation interface to a user. The subscriptionregulation interface may be provided via a secure portal from the systemto a user device, such as the user's mobile phone. In some embodiments,the subscription regulation interface is a hub for user visualizationand interaction with subscription. As such, any resource accountsassociated with the subscriptions may be easily viewed, use of thesubscription, status of the subscription, and the like may all bevisualized via the subscription regulation interface. The user may trackrecords of payment of resources to the subscription, perform actionssuch as renewal, cancelation, update, modification, and the like via thesubscription regulation interface. The subscription regulation interfacemay provide a user with visualization of his/her use of thesubscription, modifications to the subscription, and/or competitoroffers that may be more relative to the user's use of that particularresource. Furthermore, in some embodiments, the subscription regulationinterface provides a temporary credit card account number forsubscriptions, thus being able to regulate and cancel after a trialperiod or the like.

Next, as illustrated in block 404, the process 400 continues byidentifying upcoming renewal requirements for one or more subscriptionsassociated with the user. In this way, the system may identify anupcoming requirement for the subscription such as a renewal, a changeperiod, a payment increase, or the like. As illustrated in block 406,the identification of an upcoming renewal triggers the presentation ofthe renewal to the user via the subscription regulation interface. Thepresentation may be in the form of a ring, notification, popup, or thelike. Alternatively, the system may trigger a paralyze signal to theother functions of the user device preventing other functions of theuser device upon the presentation of the renewal notification andselection of acknowledgment of the renewal notification.

As illustrated in block 408, the process 400 continues by reviewing theuser utilization of the subscription. In this way, the system mayextract location data and transaction data to identify the user use ofthe subscription. In some embodiments, the system may extract locationdata from the user device. In this way, the system may track and monitorif the user has entered or is near a physical location associated withthe subscription. This physical location may be a location of thesubscription, such as a gym or club. In other embodiments, the physicallocation may be a location associated with the same category of thesubscription. For example, the user may have a subscription to awoodworking magazine and the user location data may indicate that he/shehas visited a woodworking store not necessarily associated with themagazine, but associated with the same category, woodworking, as thesubscription. This provides the system with an indication of the levelof interest the user may have with renewing the subscription. In someembodiments, the system may extract transaction data associated with theuser. The system may be associated and/or linked to a financialinstitution. Thus, the system may have access to transaction levelresource usage data associated with the user. In this way, the systemmay identify that the user purchases products or services at or near asubscription physical location, such as purchasing drinks or the like ata gym or club. Alternatively, the system may identify purchases by theuser in the same category as the subscription. For example, the user maypurchase golf equipment and have a membership at a golf course, whilethe purchase wasn't made at the golf course, the system may identify acorrelation based on the purchase being in the same category thatpredicts that the user is still interested in the golf coursesubscription.

As illustrated in block 410, the process 400 continues by communicatingwith the third parties providing the subscription in order to receiverenewal and modification terms. The renewal terms may include a renewalduration, price, services provided, or the like associated with therenewal of the subscription. In some embodiments, modifications may bepresented to the third party from the system attempting to modify theterms of the subscription based on user location data and transactiondata that indicates to the system that a modification to thesubscription may be needed. As such, if the system identifies the userutilizing the subscription to full extent based on the location andtransaction data, the system may desire a longer term for renewal of thesubscription or modification of the subscription to include additionalservices. In other embodiments, the system may identify the userunderutilization of the subscription based on user location andtransaction data and request a modification to reduce theproducts/services of the user subscription terms.

As illustrated in block 412, the process 400 continues by presenting theuser with the renewal terms, system selected modifications, andcompetitor terms for similar products/services based on user utilizationof the subscription. In some embodiments, the renewal terms may be theterms from the third party subscription provider for the user tomaintain his/her current level of subscription. In some embodiments, thesystem selected modifications of subscriptions may include systemdetermined modifications in the level of services/products for thesubscription and a change in resource requirements for the same. Thismodification is based on user utilization of the subscription identifiedfrom user location data and transactional data. In other embodiments,the system may provide competitor offers for the same or similarsubscriptions that may match the user interests better or be moreresource friendly based on the user location and transaction data.

Next, as illustrated in block 414, the process 400 continues byreceiving the user selection of one or more of the renewal terms,modifications, or competitor subscriptions. As such, the system mayreceive, via a secure communication linkage from a user device through anetwork, the user selection of the renewal terms, modifications, orcompetitor subscription.

As illustrated in block 416, the process 400 is completed bytransmitting the appropriate selection to the third party for processingthe selected renewal terms, modifications, or competitor subscription.

FIG. 5 illustrates a high level process flow for triggering themodification or canceling of subscriptions 500, in accordance with oneembodiment of the invention. As illustrated in block 502, the process500 is initiated by presenting subscriptions to the user via a secureportal using subscription regulation interface presented on a userdevice. The subscription regulation interface may be provided via asecure portal from the system to a user device, such as the user'smobile phone. In some embodiments, the subscription regulation interfaceis a hub for user visualization and interaction with subscription. Assuch, any resource accounts associated with the subscriptions may beeasily viewed, use of the subscription, status of the subscription, andthe like may all be visualized via the subscription regulationinterface. The user may track records of payment of resources to thesubscription, perform actions such as renewal, cancelation, update,modification, and the like via the subscription regulation interface.The subscription regulation interface may provide a user withvisualization of his/her use of the subscription, modifications to thesubscription, and/or competitor offers that may be more relative to theuser's use of that particular resource. Furthermore, in someembodiments, the subscription regulation interface provides a temporarycredit card account number for subscriptions, thus being able toregulate and cancel after a trial period or the like.

Next, as illustrated in block 504, the process 500 continues byidentifying a lack of use of one or more subscriptions. As such, thesystem reviews the user utilization of the subscriptions. In this way,the system may extract location data and transaction data to identifythe user use of the subscription. In some embodiments, the system mayextract location data from the user device. In this way, the system maytrack and monitor if the user has entered or is near a physical locationassociated with the subscription. This physical location may be alocation of the subscription, such as a gym or club. In otherembodiments, the physical location may be a location associated with thesame category of the subscription. For example, the user may have asubscription to a woodworking magazine and the user location data mayindicate that he/she has visited a woodworking store not necessarilyassociated with the magazine, but associated with the same category,woodworking, as the subscription. This provides the system with anindication of the level of interest the user may have with renewing thesubscription. In some embodiments, the system may extract transactiondata associated with the user. The system may be associated and/orlinked to a financial institution. Thus, the system may have access totransaction level resource usage data associated with the user. In thisway, the system may identify that the user purchases products orservices at or near a subscription physical location, such as purchasingdrinks or the like at a gym or club. Alternatively, the system mayidentify purchases by the user in the same category as thesubscriptions. For example, the user may purchase golf equipment andhave a membership at a golf course, while the purchase wasn't made atthe golf course, the system may identify a correlation based on thepurchase being in the same category that predicts that the user is stillinterested in the golf course subscription.

The use of the subscription may be identified based on the location andtransaction data from the user. The lack of use of the subscription, asillustrated in block 506, triggers the presentation of one or moresubscriptions that have the lack of utilization to the user.

Next, as illustrated in block 508, the process 500 continues by allowingthe user to select a cancelation or modification of the subscription. Insome embodiments, the system selected modifications of subscriptions mayinclude system determined modifications in the level ofservices/products for the subscription and a change in resourcerequirements for the same. This modification is based on userutilization of the subscription identified from user location data andtransactional data. In other embodiments, the user may select thecancelation of the subscription and alternatively present competitoroffers for the same or similar subscriptions that may match the userinterests better or be more resource friendly based on the user locationand transaction data.

As illustrated in block 510, the process 500 is terminated by modifyingor cancelling the subscriptions selected by the user.

In some embodiments, the subscription regulation interface may allow auser to interact with each of the third parties that are associated withthe subscriptions. In this way, if a resource account number associatedwith a subscription expires, is lost, or is misappropriated, the usermay, via the subscription regulation interface input a new resourceaccount number for the subscriptions. As such, the third partiesassociated with the subscriptions may draw resources from the newresource account without the user being in direct communication with thethird party.

In some embodiments of the invention one or more of the systemsdescribed herein may be combined with each other, or otherwise performthe functions of the other systems described herein. In otherembodiments of the invention one or more of the applications describedherein may be combined with each other, or otherwise perform thefunctions of the other applications described herein. Furthermore, theapplications may be any type of application, such as an applicationstored on a desktop, server, or other device, a mobile applicationstored on a mobile device, a cloud application, or other likeapplication. As such, the applications described herein, or portions ofthe applications described herein may be stored and operated on any ofthe systems or devices described herein. For example, a portion of oneor more applications may be stored on the user device, or may beincluded as a portion of financial institution applications, such as anonline banking application, in order to achieve embodiments of theinventions described herein.

It should be understood, that the systems and devices described in FIG.1, or other devices not specifically described herein, may be configuredto establish a communication link with each other in order to accomplishthe steps of the processes described herein. The link may be an internallink within the same entity (e.g., within the same financial institutionor device provider) or a link with the other systems of entities (e.g.,social networking systems, third-party systems, or the like). In someembodiments, the systems may be configured for monitoring theapplications and devices that the system(s) utilize as data sources. Theinformation received from monitoring may be provided via wirelessnetwork path portions through the Internet. When the systems or devicesare not monitoring a source or are not being monitoring, the informationneed not be transmitted from the source through the Internet to thedestination, although it could be. The sources of information may bemade continuously available, however, continuously available does notnecessarily mean that the sources actually continuously generates data,but that a source is continuously available to generate and send datareal-time (e.g., instantaneously and/or within a few seconds, or thelike) of receiving a request for it. In any case, the sources may becontinuously available to receive and/or generate information, in somecases in digitized data in Internet Protocol (IP) packet format. Inresponse to continuously monitoring the real-time data feeds from thevarious systems or devices, the system may be configured to providetarget information to the user and/or allow the user to make changes toor control the applications and/or devices.

Moreover, it should be understood that the process flows describedherein include transforming the information sent and/or received fromthe applications of the different systems (e.g., internally orexternally) and/or the devices from one or more data formats into a dataformat associated with an application for display to the user on theuser device. There are many ways in which information is convertedwithin the system environment. This may be seamless, as in the case ofupgrading to a newer version of a computer program. Alternatively, theconversion may require processing by the use of a special conversionprogram, or it may involve a complex process of going throughintermediary stages, or involving complex “exporting” and “importing”procedures, which may converting to and from a tab-delimited orcomma-separated text file. In some cases, a program may recognizeseveral data file formats at the data input stage and then is alsocapable of storing the output data in a number of different formats.Such a program may be used to convert a file format. If the sourceformat or target format is not recognized, then at times a third programmay be available which permits the conversion to an intermediate format,which can then be reformatted.

As will be appreciated by one of skill in the art, the present inventionmay be embodied as a method (including, for example, acomputer-implemented process, a business process, and/or any otherprocess), apparatus (including, for example, a system, machine, device,computer program product, and/or the like), or a combination of theforegoing. Accordingly, embodiments of the present invention may takethe form of an entirely hardware embodiment, an entirely softwareembodiment (including firmware, resident software, micro-code, etc.), oran embodiment combining software and hardware aspects that may generallybe referred to herein as a “system.” Furthermore, embodiments of thepresent invention may take the form of a computer program product on acomputer-readable medium having computer-executable program codeembodied in the medium.

Any suitable transitory or non-transitory computer readable medium maybe utilized. The computer readable medium may be, for example but notlimited to, an electronic, magnetic, optical, electromagnetic, infrared,or semiconductor system, apparatus, or device. More specific examples ofthe computer readable medium include, but are not limited to, thefollowing: an electrical connection having one or more wires; a tangiblestorage medium such as a portable computer diskette, a hard disk, arandom access memory (RAM), a read-only memory (ROM), an erasableprogrammable read-only memory (EPROM or Flash memory), a compact discread-only memory (CD-ROM), or other optical or magnetic storage device.

In the context of this document, a computer readable medium may be anymedium that can contain, store, communicate, or transport the programfor use by or in connection with the instruction execution system,apparatus, or device. The computer usable program code may betransmitted using any appropriate medium, including but not limited tothe Internet, wireline, optical fiber cable, radio frequency (RF)signals, or other mediums.

Computer-executable program code for carrying out operations ofembodiments of the present invention may be written in an objectoriented, scripted or unscripted programming language such as Java,Perl, Smalltalk, C++, or the like. However, the computer program codefor carrying out operations of embodiments of the present invention mayalso be written in conventional procedural programming languages, suchas the “C” programming language or similar programming languages.

Embodiments of the present invention are described above with referenceto flowchart illustrations and/or block diagrams of methods, apparatus(systems), and computer program products. It will be understood thateach block of the flowchart illustrations and/or block diagrams, and/orcombinations of blocks in the flowchart illustrations and/or blockdiagrams, can be implemented by computer-executable program codeportions. These computer-executable program code portions may beprovided to a processor of a general purpose computer, special purposecomputer, or other programmable data processing apparatus to produce aparticular machine, such that the code portions, which execute via theprocessor of the computer or other programmable data processingapparatus, create mechanisms for implementing the functions/actsspecified in the flowchart and/or block diagram block or blocks.

These computer-executable program code portions may also be stored in acomputer-readable memory that can direct a computer or otherprogrammable data processing apparatus to function in a particularmanner, such that the code portions stored in the computer readablememory produce an article of manufacture including instructionmechanisms which implement the function/act specified in the flowchartand/or block diagram block(s).

The computer-executable program code may also be loaded onto a computeror other programmable data processing apparatus to cause a series ofoperational steps to be performed on the computer or other programmableapparatus to produce a computer-implemented process such that the codeportions which execute on the computer or other programmable apparatusprovide steps for implementing the functions/acts specified in theflowchart and/or block diagram block(s). Alternatively, computer programimplemented steps or acts may be combined with operator or humanimplemented steps or acts in order to carry out an embodiment of theinvention.

As the phrase is used herein, a processor may be “configured to” performa certain function in a variety of ways, including, for example, byhaving one or more general-purpose circuits perform the function byexecuting particular computer-executable program code embodied incomputer-readable medium, and/or by having one or moreapplication-specific circuits perform the function.

Embodiments of the present invention are described above with referenceto flowcharts and/or block diagrams. It will be understood that steps ofthe processes described herein may be performed in orders different thanthose illustrated in the flowcharts. In other words, the processesrepresented by the blocks of a flowchart may, in some embodiments, be inperformed in an order other that the order illustrated, may be combinedor divided, or may be performed simultaneously. It will also beunderstood that the blocks of the block diagrams illustrated, in someembodiments, merely conceptual delineations between systems and one ormore of the systems illustrated by a block in the block diagrams may becombined or share hardware and/or software with another one or more ofthe systems illustrated by a block in the block diagrams. Likewise, adevice, system, apparatus, and/or the like may be made up of one or moredevices, systems, apparatuses, and/or the like. For example, where aprocessor is illustrated or described herein, the processor may be madeup of a plurality of microprocessors or other processing devices whichmay or may not be coupled to one another. Likewise, where a memory isillustrated or described herein, the memory may be made up of aplurality of memory devices which may or may not be coupled to oneanother.

While certain exemplary embodiments have been described and shown in theaccompanying drawings, it is to be understood that such embodiments aremerely illustrative of, and not restrictive on, the broad invention, andthat this invention not be limited to the specific constructions andarrangements shown and described, since various other changes,combinations, omissions, modifications and substitutions, in addition tothose set forth in the above paragraphs, are possible. Those skilled inthe art will appreciate that various adaptations and modifications ofthe just described embodiments can be configured without departing fromthe scope and spirit of the invention. Therefore, it is to be understoodthat, within the scope of the appended claims, the invention may bepracticed other than as specifically described herein.

INCORPORATION BY REFERENCE

To supplement the present disclosure, this application furtherincorporates entirely by reference the following commonly assignedpatent applications:

U.S. patent Docket Number application Ser. No. Title Filed On7427US1.014033.2890 To be assigned LEVERAGING AN ARTIFICIAL ConcurrentlyINTELLIGENCE ENGINE TO herewith GENERATE CUSTOMER-SPECIFIC USEREXPERIENCES BASED ON REAL-TIME ANALYSIS OF CUSTOMER RESPONSES TORECOMMENDATIONS 7428US1.014033.2891 To be assigned REAL-TIME DYNAMICConcurrently GRAPHICAL REPRESENTATION herewith OF RESOURCE UTILIZATIONAND MANAGEMENT 7428US2.014033.2892 To be assigned SYSTEM FORTRANSMISSION Concurrently AND USE OF AGGREGATED herewith METRICSINDICATIVE OF FUTURE CUSTOMER CIRCUMSTANCES 7430US1.014033.2894 To beassigned SYSTEM FOR GENERATING USER Concurrently EXPERIENCE FORIMPROVING herewith EFFICIENCIES IN COMPUTING NETWORK FUNCTIONALITY BYSPECIALIZING AND MINIMIZING ICON AND ALERT USAGE 7431US2.014033.2902 Tobe assigned SYSTEM FOR AUTOMATICALLY Concurrently ESTABLISHING ANOPERATIVE herewith COMMUNICATION CHANNEL TO TRANSMIT INSTRUCTIONS FORCANCELING DUPLICATE INTERACTIONS WITH THIRD PARTY SYSTEMS

What is claimed is:
 1. A system for a subscription regulation operativecommunication channel, the system comprising: a memory device withcomputer-readable program code stored thereon; a communication device; aprocessing device operatively coupled to the memory device and thecommunication device, wherein the processing device is configured toexecute the computer-readable program code to: receive authorizationfrom a subscription regulation interface active on a user device via asecure communication portal, wherein the authorization allows access touser resource management source locations; extract user resourcedistribution information from user resource management source locations;identify reoccurring user resource distributions and third partiesassociated with the distributions; confirm, via the communicationportal, a subscription associated with the reoccurring user resourcedistributions; extract location data points associated with the userdevice and resource distribution data associated with user resourcedistribution, wherein the extraction is based on user authorizationreceived from the subscription regulation interface; triggerpresentation via the subscription regulation interface ofunderutilization of subscription based on extracted location data pointsand resource distribution data; present modification for user selectionvia the subscription regulation interface to the underutilizedsubscription; and process the user selected modification.
 2. The systemof claim 1, wherein triggering presentation of underutilization ofsubscription based on extracted location data points and resourcedistribution data further comprises identifying locations the usertraveled and purchases the user made via the extracted location datapoints and resource distribution data associated with the user to not beassociated with the subscription, the third party, or the category ofthe subscription.
 3. The system of claim 1 further comprising triggeringa presentation via the subscription regulation interface of one or moresubscriptions for renewal, wherein the renewal is presented by thesubscription regulation interface upon identification of use of thesubscription based at least in part on the extracted location datapoints and resource distribution data associated with the user to beassociated with the subscription, the third party, or the category ofthe subscription.
 4. The system of claim 1, wherein presentingmodifications for user selection via the subscription regulationinterface to the underutilized subscription further comprisecommunicating with the third party associated with the underutilizedsubscription for presenting cancellation options for the underutilizedsubscription to the user and presenting modifications to theunderutilized subscription that reducing the resource requirements forthe subscription user, wherein presenting modifications for userselection further comprises presenting competitor subscriptions to theuser.
 5. The system of claim 1, wherein confirming, via thecommunication portal, the subscription associated with the reoccurringuser resource distributions further comprises identifying a physicallocation of the third parties associated with the subscription and acategory of products and/or services provided via the subscription. 6.The system of claim 1, wherein processing the user selected modificationfurther comprises providing the third party with a generic accountnumber for initial resource distribution to the third party for themodification of the subscription.
 7. The system of claim 1, whereinextracting location data points associated with the user device andresource distribution data associated with user resource distributionfurther comprises identifying locations that the user has traveled andresource distributions associated with product/service purchases theuser made and identifying a category of the locations and purchases,wherein the category is compared to a category identified as associatedwith the subscription and determined to be of the same category ofproduct or service.
 8. A computer program product for a subscriptionregulation operative communication channel, the computer program productcomprising at least one non-transitory computer readable medium havingcomputer-readable program code portions embodied therein, thecomputer-readable program code portions comprising: an executableportion configured for receiving authorization from a subscriptionregulation interface active on a user device via a secure communicationportal, wherein the authorization allows access to user resourcemanagement source locations; an executable portion configured forextracting user resource distribution information from user resourcemanagement source locations; an executable portion configured foridentifying reoccurring user resource distributions and third partiesassociated with the distributions; an executable portion configured forconfirming, via the communication portal, a subscription associated withthe reoccurring user resource distributions; an executable portionconfigured for extracting location data points associated with the userdevice and resource distribution data associated with user resourcedistribution, wherein the extraction is based on user authorizationreceived from the subscription regulation interface; an executableportion configured for triggering presentation via the subscriptionregulation interface of underutilization of subscription based onextracted location data points and resource distribution data; anexecutable portion configured for presenting modification for userselection via the subscription regulation interface to the underutilizedsubscription; and an executable portion configured for processing theuser selected modification.
 9. The computer program product of claim 8,wherein triggering presentation of underutilization of subscriptionbased on extracted location data points and resource distribution datafurther comprises identifying locations the user traveled and purchasesthe user made via the extracted location data points and resourcedistribution data associated with the user to not be associated with thesubscription, the third party, or the category of the subscription. 10.The computer program product of claim 8 further comprising an executableportion configured for triggering a presentation via the subscriptionregulation interface of one or more subscriptions for renewal, whereinthe renewal is presented by the subscription regulation interface uponidentification of use of the subscription based at least in part on theextracted location data points and resource distribution data associatedwith the user to be associated with the subscription, the third party,or the category of the subscription.
 11. The computer program product ofclaim 8, wherein presenting modifications for user selection via thesubscription regulation interface to the underutilized subscriptionfurther comprise communicating with the third party associated with theunderutilized subscription for presenting cancellation options for theunderutilized subscription to the user and presenting modifications tothe underutilized subscription that reducing the resource requirementsfor the subscription user, wherein presenting modifications for userselection further comprises presenting competitor subscriptions to theuser.
 12. The computer program product of claim 8, wherein confirming,via the communication portal, the subscription associated with thereoccurring user resource distributions further comprises identifying aphysical location of the third parties associated with the subscriptionand a category of products and/or services provided via thesubscription.
 13. The computer program product of claim 8, whereinprocessing the user selected modification further comprises providingthe third party with a generic account number for initial resourcedistribution to the third party for the modification of thesubscription.
 14. The computer program product of claim 8, whereinextracting location data points associated with the user device andresource distribution data associated with user resource distributionfurther comprises identifying locations that the user has traveled andresource distributions associated with product/service purchases theuser made and identifying a category of the locations and purchases,wherein the category is compared to a category identified as associatedwith the subscription and determined to be of the same category ofproduct or service.
 15. A computer-implemented method for a subscriptionregulation operative communication channel, the method comprising:providing a control device and control device housing comprisingcomputing system comprising a computer processing device and anon-transitory computer readable medium, where the computer readablemedium comprises configured computer program instruction code, such thatwhen said instruction code is operated by said computer processingdevice, said computer processing device performs the followingoperations: receiving authorization from a subscription regulationinterface active on a user device via a secure communication portal,wherein the authorization allows access to user resource managementsource locations; extracting user resource distribution information fromuser resource management source locations; identifying reoccurring userresource distributions and third parties associated with thedistributions; confirming, via the communication portal, a subscriptionassociated with the reoccurring user resource distributions; extractinglocation data points associated with the user device and resourcedistribution data associated with user resource distribution, whereinthe extraction is based on user authorization received from thesubscription regulation interface; triggering presentation via thesubscription regulation interface of underutilization of subscriptionbased on extracted location data points and resource distribution data;presenting modification for user selection via the subscriptionregulation interface to the underutilized subscription; and processingthe user selected modification.
 16. The computer-implemented method ofclaim 15, wherein triggering presentation of underutilization ofsubscription based on extracted location data points and resourcedistribution data further comprises identifying locations the usertraveled and purchases the user made via the extracted location datapoints and resource distribution data associated with the user to not beassociated with the subscription, the third party, or the category ofthe subscription.
 17. The computer-implemented method of claim 15further comprising triggering a presentation via the subscriptionregulation interface of one or more subscriptions for renewal, whereinthe renewal is presented by the subscription regulation interface uponidentification of use of the subscription based at least in part on theextracted location data points and resource distribution data associatedwith the user to be associated with the subscription, the third party,or the category of the subscription.
 18. The computer-implemented methodof claim 15, wherein presenting modifications for user selection via thesubscription regulation interface to the underutilized subscriptionfurther comprise communicating with the third party associated with theunderutilized subscription for presenting cancellation options for theunderutilized subscription to the user and presenting modifications tothe underutilized subscription that reducing the resource requirementsfor the subscription user, wherein presenting modifications for userselection further comprises presenting competitor subscriptions to theuser.
 19. The computer-implemented method of claim 15, whereinconfirming, via the communication portal, the subscription associatedwith the reoccurring user resource distributions further comprisesidentifying a physical location of the third parties associated with thesubscription and a category of products and/or services provided via thesubscription.
 20. The computer-implemented method of claim 15, whereinextracting location data points associated with the user device andresource distribution data associated with user resource distributionfurther comprises identifying locations that the user has traveled andresource distributions associated with product/service purchases theuser made and identifying a category of the locations and purchases,wherein the category is compared to a category identified as associatedwith the subscription and determined to be of the same category ofproduct or service.